Re: Experian FICO's are back?!

KausticRage · ‎06-13-2013

Just got my score and its at 756 This is with 12% Utilization and four new accounts. Next month my util should be around 4% and once my new accounts age I should be riding pretty... My FICO TU is 777 and my EQ FICO is 767. I am gardening until 2014.

April 2013 FICO Scores
Experian - 709 Chase Freedom Pull
Equifax - 788 BofA MLB Rewards Pull
Trans Union - 778 (GE Money Bank CLI scores)

In the Garden until at least 2014 to let the new accounts age and HP's fall off. 800 club here I come...

dalleanne · ‎06-13-2013

I'm torn... I want an EX report but I have three new credit limits that should report at the end of this month. (o.o")

CreditExpressNJ · ‎06-13-2013

Just bit the bullet and purchased mine its exactly as i expected as EQ and EX are the only CRA with my last 2 baddies 1 unpaid medical collection and 1 paid charge off in which i cannot get off...

CH7 Filed (3/29/17) - 483 EX 516 EQ 517 TU Discharged (5/31/17) - 559 EX 538 EQ 501 TU Current (1/18/22) - 690 EX 683 EQ 671 TU
Current Cards

lhcole77 · ‎06-13-2013

I bought mine today. Glad I did. Score is 779. I subscribe to a credit monitoring plan through my bank, WF. It's run through Credit Xpert, which gets info from EX.

My recent pull with them has my EX (FAKO) score at 772. So these are fairly close.

Credit Sesame has me at 754. Credit.com at 716. Quizzle at 720.

EX FICO at 779 is my favorite--for obvious reasons... =)

vpae · ‎06-13-2013

@dalleanne wrote:
I'm torn... I want an EX report but I have three new credit limits that should report at the end of this month. (o.o")

Wait for it....!!

12/19/19

06/11/20

07/02/20
Total CL: $708,900. Largest CL: Amex Bonvoy Brilliant $70K. Apple Card $40K. Chase Ritz Carlton $35K. Mouseover for individual CLs

dalleanne · ‎06-13-2013

@vpae wrote:
@dalleanne wrote:
I'm torn... I want an EX report but I have three new credit limits that should report at the end of this month. (o.o")
Wait for it....!!

Lol but it's so tempting!!

rtw · ‎06-13-2013

Just pulled my score 698. My PSECU EX score from 6/1 was 710. I do have higher utilization now reporting so I think this score is probably pretty accurate.

BearsAndTurtlesRtheBest · ‎06-13-2013

@RockinRay you mean many many different FICO scores that they sell based on the lendor??

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019

calihlove75 · ‎06-13-2013

I just pulled mine at 743

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050

Dubious · ‎06-13-2013

@RockinRay wrote:
I hate to be the bubble breaker here, but if you read Consumer Reports magazine, there is a write up on FICO scores this month and they state there are many, many different scores that they sell based on the lendor.

Their take, a waste of money...

This isn't really new information. There are '98, '04, and '08 models still used (not sure if '98 EQ and '98 EX are popular). That's nine scores already, plus bankcard enhanced and AUTO enhanced. We've known all this.

Experian FICO's are back?!

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